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SAVVY SENIOR – When to count on your Social Security checks

Expensive Savvy Senior, I’m planning to retire and apply for my Social Security advantages in July. When can I count…

By Staff , in Social Security , at April 27, 2022

Expensive Savvy Senior,

I’m planning to retire and apply for my Social Security advantages in July. When can I count on my first test, and is direct deposit my solely choice for receiving my month-to-month fee?

Nearly 62

Expensive Nearly,

Usually, Social Security retirement advantages, in addition to incapacity and survivor advantages, are paid within the month after the month they’re due. So, if you wish to begin receiving your Social Security advantages in July, your July advantages might be distributed in August. 

The day of the month you obtain your profit fee, nonetheless, will rely in your birthdate. Right here’s the schedule of when you possibly can count on to obtain your month-to-month test. 

When you had been born on the:

  • 1st via the tenth: Count on your test to be deposited on the second Wednesday of every month.
  • 11th via the 20th: Count on your test to be deposited on the third Wednesday of every month.
  • 21st via the 31st: Count on your test to be deposited on the fourth Wednesday of every month.

There are, nonetheless, just a few exceptions to this schedule. For instance, if the day your Social Security test is meant to be deposited occurs to be a vacation, your test might be deposited the day gone by. And, in case you are receiving each Social Security advantages and SSI funds, your Social Security test might be deposited on the third day of the month. 

You also needs to know that for Social Security beneficiaries who began receiving advantages earlier than 1997, their Social Security checks are paid on the third day of the month. 

To get an entire schedule of 2022 fee dates, go to

Receiving Choices
There are two methods you possibly can obtain your Social Security advantages. Most beneficiaries select direct deposit into their financial institution or credit score union account as a result of it’s easy, protected and safe. However in the event you don’t need this feature, otherwise you don’t have a checking account that your funds might be deposited into, you will get a Direct Specific Debit MasterCard and have your advantages deposited into your card’s account. 

This card can then be used to get money from ATMs, banks or credit score union tellers, pay payments on-line and over the telephone, make purchases at shops or places that settle for Debit MasterCard and get money again once you make these purchases, and buy cash orders on the U.S. Publish Workplace. The cash you spend or withdraw is mechanically deducted out of your account. And you may test your stability any time by telephone, on-line or at ATMs.  

There’s additionally no price to join the cardboard, no month-to-month charges and no overdraft expenses. There are, nonetheless, some small charges for non-obligatory companies you want to concentrate on, like a number of ATM withdrawals. At present, cardholders get one free ATM withdrawal monthly, however further month-to-month withdrawals price 85 cents every not together with a surcharge in the event you use a non-network ATM. To be taught extra, go to or name 800-333-1795.

When and How you can Apply
The Social Security Administration recommends that you just apply for advantages three months earlier than you wish to begin receiving checks. This provides you with sufficient time to ensure you have all of the wanted data to finish the applying. See for a guidelines of what you’ll want. 

You possibly can apply on your Social Security advantages on-line at, by telephone at 800-772-1213, or in particular person at your native Social Security workplace – name first to make an appointment. 

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